CSR Customer Service has become much worse.
Sep 26, 2017, 6:07 pm
#16
Join Date: Aug 2017
Programs: DL DM, Marriott Amb, Hertz PC, Natl EE
Posts: 285
In theory...
My UA Biz card was a Visa Signature without spend limit. Yet look at what Avis Split got when they tried to put an authorization on the card which actually was below the credit line (presumably is for the revolving purpose only).
My understanding is, the so-called no spend limit cards still have an implied limit which is a variable calculated based on whatever formula(s) the issuing banks use. You would not know what it is until your card is declined (not for fraud or being shut down).
My UA Biz card was a Visa Signature without spend limit. Yet look at what Avis Split got when they tried to put an authorization on the card which actually was below the credit line (presumably is for the revolving purpose only).
My understanding is, the so-called no spend limit cards still have an implied limit which is a variable calculated based on whatever formula(s) the issuing banks use. You would not know what it is until your card is declined (not for fraud or being shut down).
Sep 26, 2017, 7:37 pm
#17
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Sep 27, 2017, 12:29 am
#19
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
Sep 27, 2017, 12:50 am
#20
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Sep 27, 2017, 1:21 am
#21
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Chase had, on multiple occasions, treated me with enough disdain and disrespect that I stopped using them. Even when the 100k points offer of CSR first came out (worth way more than the $450), it wasn't enough to get me to sign up even for the first year. Even when I found out about the incredible trip insurance that is included, I didn't have enough trust in Chase for it to ever pay out if I needed it. I chose to get the Amex Platinum card because they, on the other hand, have always been on my side.
That said, I imagine something more complicated may trip them up, but fortunately I haven't had to deal with that yet.
Sep 27, 2017, 3:01 am
#22
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
A feature of Visa Signature/Visa Infinite that does not exist with that many issuers anymore. Chase is one of the few who let you routinely go over your limit and treat your VS/VI like a charge card.
Sep 27, 2017, 6:08 am
#23
Join Date: Feb 2005
Location: MD/DC
Programs: Hilton Diamond, IHG Platinum, Marriott Titanium, TK Gold
Posts: 1,536
So Chase does have some duplicate charges algorithm. The time sensitivity or the amount sensitivity might be different than others. It might have to do with risk tolerance of the bank (i.e., they will know how many such transactions they have for which they had to eat the cost in the end and set the level of tolerance for those accordingly).